Watermark Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Watermark Bank of Oklahoma City, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.49% | 1.34% | +0.15% | 63rd above |
| ROAE | 11.46% | 13.32% | -1.86% | 45th below |
| Net Interest Margin | 4.37% | 3.93% | +0.44% | 74th above |
| Efficiency Ratio | 51.36% | 61.14% | -9.78% | 78th top |
| PPNR / Avg Assets | 2.20% | 1.68% | +0.52% | 80th top |
| Yield on Earning Assets | 6.57% | 5.67% | +0.90% | 89th top |
| Cost of Funds | 2.53% | 1.88% | +0.65% | 14th bottom |
| Net Interest Spread | 3.54% | 3.32% | +0.22% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 89th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 56th above |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.11% | 19.49% | -5.38% | 40th below |
| Tier 1 Ratio | 14.11% | 19.52% | -5.41% | 40th below |
| Total Capital Ratio | 15.36% | 20.61% | -5.25% | 41st below |
| Leverage Ratio | 13.29% | 12.14% | +1.15% | 77th top |
| Equity / Assets | 12.64% | 11.36% | +1.28% | 76th top |
| TCE / Tangible Assets | 12.64% | 11.08% | +1.56% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.35% | 80.65% | +17.70% | 13th bottom |
| Core Deposit Ratio | 76.90% | 86.85% | -9.95% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 26.73% | 6.83% | +19.90% | 97th top |
| Loan Growth (Y/Y) | 26.02% | 7.91% | +18.11% | 96th top |
| Deposit Growth (Y/Y) | 29.72% | 6.28% | +23.44% | 97th top |
See Watermark Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Watermark Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Watermark Bank profile, how to read a UBPR, or how this data updates.